The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,945
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,192
−HK$251/mo
Today · 4.125%
HK$8,443
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,886/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,839
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$240/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,632/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,534
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,831
−HK$301/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,748
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,264/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,607
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$289/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,123
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$352/mo
Today · 4.125%
HK$11,821
baseline
▲ 0.50% · 4.625%
HK$12,540
+HK$719/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,642/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,374
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$337/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$687/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,086/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$452/mo
Today · 4.125%
HK$15,198
baseline
▲ 0.50% · 4.625%
HK$16,123
+HK$925/mo
Deposit HK$348K · loan HK$3.14M · min. income ≈ HK$30,396/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,910
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,336
−HK$433/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$884/mo
Deposit HK$348K · loan HK$3.14M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).